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Closing Costs

There are a number of closing costs that the buyer and the seller need to consider. Below are the typical closing costs that are paid by each party in our county, however, sometimes these are paid by the other party (as defined by the contract):

Buyer Responsibility
Half of escrow
Document preparation fees per the lender
Pro-rated property taxes from closing date
Homeowners Insurance
Inspection fee
Appraisal fee
Mortgage interest from loan date to first payment

Seller Responsibility
Half of escrow
Title Insurance Premium
Excise Tax (based on county percentage)
Pro-rated, unpaid property taxes
Pro-rated, unpaid utilities
Pro-rated, unpaid homeowner association dues
Unpaid assessments
Any outstanding liens and judgements
Real estate commission